🏦Bank Scorer

THE BANK OF COMMERCE

AMMON, ID · Supervised by FDIC

Est. 1959FDIC #18,059RSSD: FDIC-18059
Satisfactory Same

Current rating · Exam: June 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 2.22%

Is this bank safe?

THE BANK OF COMMERCE holds a Satisfactory CRA rating (2025), is financially strong (ROA +2.22%). Overall, this bank appears financially sound.

Institution Profile

FDIC BankFind

Address

3113 S 25th E, AMMON, ID

County

Bonneville County

Established

August 1, 1959

Total Assets

$2.3B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

June 1, 2025

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Jun 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$2.3B

Total Deposits

$1.9B

Net Loans

$1.7B

Net Income

$13M

ROA

2.22%

Above avg for Community banks. Peer avg: 0.90%

ROE

15.22%

Risk-Based Capital

20.62%

Above avg for Community banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

ROA2.22%Peer avg: 0.90%▲ Above avg
Risk-Based Capital20.62%Peer avg: 12.91%▲ Above avg
Mortgage Denial Rate9.05%Peer avg: 10.20%▼ Fewer than avg

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Branch Footprint

FDIC SOD 2025

Total Branches

17

Branch Deposits

$1.8B

1-Year Change

+1

5-year net change: +1 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202324359.67%9.05%
202227765.34%7.22%
202140670.94%9.85%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Community bank avg: 10.20% · above-average shown in red

Rating History

CRA / FFIEC
Exam DateRatingExam Type
Jun 2025SatisfactoryLarge Bank
Apr 2022SatisfactoryIntermediate Small Bank
Apr 2019SatisfactoryIntermediate Small Bank

11 previous ratings locked — back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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